着我国市场经济发展,加快征信体系建设已成为金融业和社会的共识。从1997年开始,上海在贷款企业资信评级方面进行了不懈的探索,并积累了一些经验。根据中国人民银行《贷款证管理办法》的规定,资信评估机构对企业进行评级,并在企业资信等级栏中记录后,可作为金融机构向企业提供 With the development of our country’s market economy, accelerating the construction of credit reporting system has become the consensus of the financial industry and the society. Since 1997, Shanghai has made unremitting explorations in the credit rating of lending companies and accumulated some experience. According to the Regulations of the People’s Bank of China on the Management of Loan Certificates, credit rating agencies evaluate the enterprises and record them in the credit rating column of the enterprise, which can be provided to the enterprises as financial institutions